Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,894Cash toward the purchase price.
Closing costs + prepaids$12,410Not just lender fees.
Before credits & paid funds$47,304The complete starting cash picture.
Estimated remaining funds due at closing
$47,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,894.14
Your down payment$34,894.14
Closing costs + prepaids$12,409.94
Total buyer cash needed$47,304.08
Remaining funds due$47,304.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$652.00
Prepaid interest, first (25 days)$1,532.94
Fees + prepaids$12,409.94
Your down payment is the seller’s equity. You take over the $365,106 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $47,304.08 is due at closing. Uses and sources reconcile at $412,409.94 each. Not a Closing Disclosure.